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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $282,751 | $172,111+64.3% | $150,298+88.1% | $137,256+106.0% |
| Participation rate | 78.9% | 81.7%-2.8pp | 77.8%+1.2pp | 80.0%-1.0pp |
| Annual return | 10.95% | 69.37%-58.4pp | 62.79%-51.8pp | 220.34%-209.4pp |
| Employer contribution / active EE | $4,407 | $4,636-4.9% | $4,154+6.1% | $4,156+6.0% |
| Participant deferral / active EE | $9,908 | $6,166+60.7% | $5,453+81.7% | $6,407+54.6% |
| Admin fee / account holder | $2,118 | $16,471-87.1% | $14,116-85.0% | $12,270-82.7% |